30142670, 69U-100.3231 - Florida Administrative Rules, Law, Code, Register

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Florida Department of State and Division of Library and Information Services

Notice: 30142670

Notice of Proposed Rule

Department:

DEPARTMENT OF FINANCIAL SERVICES

Division:

FSC - Financial Institution Regulation

Chapter:

FINANCIAL INSTITUTIONS GENERALLY

Overview

RULE:

69U-100.3231

Complaints

PURPOSE:

The purpose and effect is to amend the existing rule to interpret and implement section 655.0323, F.S.

SUMMARY:

The amendments interpret “a customer” or “prospective customer” to include any person for whom a financial institution has denied service or a business relationship; interpret “score” or “social credit score” to include any consideration of prohibited factors rather than limiting such factors to an actual numerical scoring; clarify complaint processing procedures; and provide the interpretation that a financial institution bears the burden of showing any service denial was due to suspicious activity, if such grounds are claimed.

RULEMAKING AUTHORITY:

655.012(2), 655.0323

LAW:

655.0323

PRINT PUBLISH DATE:

10/23/2025 Vol. 51/207

COMMENTS:

From 10/23/2025 To 11/13/2025 (21 Days)

REFERENCE MATERIALS:

Ref-16902 Form OFR-U-3231 - Complaint
Ref-16903 Form OFR-U-3232 - Complaint Response Report

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